If you want to keep it somewhere safe and accessible for emergencies or a short-term goal like a home purchase in the next 5 years, you might want to open it with a bank, credit union, or money market fund.

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So you must call your bank, mutual fund, brokerage house or credit union and ask.

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It's unclear why Credit Suisse Strategic Partners, the secondary fund business of the bank, pursued the Reijtenbagh venture.

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In February, Morgan Stanley, an American investment bank, announced its merger with Dean Witter, Discover, a mutual-fund and credit-card group.

ECONOMIST: It��s got to fit somehow